Monday, February 20, 2012

Buying A Pre-Owned Car

Don't let your dream vehicle become a nightmare purchase

With so many states hit by flooding in the past several months, car buyers everywhere should remember that vehicles sold at auctions often end up hundreds of miles away in areas that didn't experience any floods.  Unscrupulous salvage operators and dealers can clean up obvious signs of flooding, such as carpets and upholstery.  But damage to a vehicle's electronics may not be evident until months later.  Here are a few ways to help reduce the likelihood of buying a flood-damaged vehicle:

 
*Go to the National Insurance Crime Bureau's (NICB) website at www.nicb.org. click on Theft and Fraud Awareness and then VINCheck for a free search of a car's vehicle identification number (VIN).  Participating NICB members send reports to
VINCheck on vehicles that were salvaged or catalogued as water-damaged.  Note: VINCheck's database also includes vehicles that were reported stolen but not recovered.

*Check under carpeting for mildew, debris and silt.  Inspect the undercarriage for signs of rust or flaking metal.  Is there a moldy smell?  Or a strong deodorizing scent?  Dealers often use air fresheners and deodorizers to mask the smell of mold.

*Consider buying a certified used car or truck that is warranted by the automaker (not the individual dealer) - automakers exclude flood-damaged vehicles from their certified programs.

Wednesday, February 15, 2012

Working With An Architect

Starting your first remodel or addition project can be daunting. It opens a whole new world of details and procedures. Hiring a design professional to lead you through that process does wonders to streamline the project, saving time and money. You will find that even when you hire professionals to do most of the work, there are a surprising number of things you still have to do. At the very least, you will be required to hire the architect, hire the contractor, provide some of the site documentation, and approve the designs.

What Do Architects Do?

Architects are trained to be experts in the use or function of spaces, the aesthetics of spaces (look, feel, sound and smell), the construction of spaces, and the management of building projects.

They start by talking to you about your functional needs and aesthetic preferences. They produce design drawings for your approval, and produce documents for permit and construction. They negotiate the permit process, help you select a contractor, and remain available during construction to answer questions and make changes.

Architects also design kitchens and custom cabinets, consult on interior or exterior color palettes, and often lay out the building components in landscape designs. They do not generally help in the selection of furniture, carpeting, draperies or artwork.

Design projects come in a wide variety of shapes and sizes, so you need to be specific about what part your architect will play. Most architects are willing to tailor their services to your needs.

When Do You Need an Architect?

Some projects are small enough that your contractor can get the permit with a simple drawing or even without drawings. If a project involves only one trade, that trade can generally get a permit over the counter. Projects that fall into this category are - roofing, finishes, window and door replacement, water heater or furnace replacement, electrical panel upgrades, and minor plumbing repairs or upgrades.

Most homes and residential accessory structures may be designed and drawn by non-professionals. The house must be an owner-occupied single-family dwelling of two stories or less. All commercial structures and more complicated homes are required to be designed by a Registered Engineer or Architect who must sign each drawings with his/her stamp and license number. Even when an architect is not strictly required, most homeowners hire an architect to streamline the process and improve the end result.

Finding the Right Architect for You

Your architect is someone who will work closely with you throughout the design and construction process. In addition to liking their aesthetic sense, you want someone who:
  • has good communication skills
  • listens to you and answers questions
  • returns phone calls, meets deadlines, and generally has a professional manner
  • has experience appropriate to your project
Good Sources for Finding an Architect:
Every architect has an individual style and approach. You should not rush this process, but take the time you need to make the right decision. A personal referral is always better than picking someone off a list. Places to start:
  • talk to friends and neighbors who have done similar projects
  • ask your Realtor
  • ask local builders or trades people
  • AIA (American Institute of Architects) database www.architectfinder.aia.org
  • online services like Service Magic or Construction Deal
  • for restoration projects, check with your local historical or preservation society
Plan to meet with several prospective architects, starting with a telephone conversation to weed out architects who don't have the time or interest in your project. You may pick three or four questions to ask over the phone, and expect to ask the others in a more lengthy interview. It is important that you feel comfortable working with the architect. They should be someone you feel you can trust, and someone who listens to you.

Questions to Ask an Architect:
Some of the questions you will probably ask on the phone before they even visit your project site. Others you will ask once you are talking to them in person.
  • describe the project, ask whether they do this type of work
  • how busy are they, and do they have the time to do your project?
  • is a fee for an interview at your home (or job site)?
  • request literature that describes the firm's qualifications and experience (often a web site)
  • confirm that the architect you are meeting is the person who will actually work on your project
  • what is the architect's design philosophy?
  • how long will the design part of the project take?
  • how does the architect establish fees?
  • how does the architect organize the process?
  • what does the architect expect you to provide?
  • what is the architect's experience/track record with cost estimating?
  • what will the architect show you along the way to explain the project? will you see models, drawings or computer animations?
  • ask for references from past clients. find out how past clients feel about their new home
  • verify that your architect holds a current license. The California Architects Board www.cab.ca.gov/ is responsible for licensing. Membership in professional organizations like the AIA (American Institute of Architects) or the ASLA (American Society of Landscape Architects) is not required for licensing.
  • if your designer is not a licensed architect he/she can still do design and permit drawings for a single-family home of two stories or less in most jurisdictions. how will the architect handle signing permit drawings?
  • does the architect have a list of past clients that you can contact?

©2012 drozda+others architects, all rights reserved.

Friday, February 10, 2012

Home Buying Seminar - FREE!



Saturday, February 25, 2012 from 11:00 AM to 12:30 PM
Alain Pinel Realtors- Burlingame
1440 Chapin Ave Suite 200
Burlingame, CA 94010




San Mateo County, Ca (also known as the San Francisco Peninsula)

is an amazing place to live. Every city has a different personality and within each city is a network of special neighborhoods. Our class will focus on how to become a homeowner, but we will also provide detailed information on each city so all class attendees can see the benefits and differences between the areas.

Class Topics:
• Steps for a successful home or condo purchase within San Mateo County
• Steps to finance your home purchase
• Advantages of buying a home in 2012
• Tax Credits available for home ownership
• The best way to negotiate a real estate purchase
• State of the San Mateo County real estate market
• Current mortgage interest rates and programs available
• Advice from other First Time Homebuyers
• Information on the cities within San Mateo County
• School scores for San Mateo County

Hosted by :


Eileen Horan
Mortgage Broker
Mortgage California
www.mortgagecalifornia.com/eileenhoran
NMLS #282909

Aimee Snodgrass Klarich
Realtor
Alain Pinel Realtors- Burlingame
www.AimeeKlarich.com
DRE 01765417

Thursday, February 9, 2012

facing the facts...

what fits me??

the color might be perfect...the pattern and texture may be pure genius...but if the lines of an outfit are off and it doesn't fit properly, then you might as well toss in the towel and begin again...(or find a great tailor)

line and fit are about how clothes conform to your body...proportion is the key for visual effect...as for fit, your clothes should feel like a second skin...sometimes, this depends on the brilliance of the designer...has he draped, cut, tucked, and sewn seams in ways that not only inspire wonder, but also hide your weak spots? and you...have you chosen to dress in something that really suits you? it can be baggy or tight, short or long, or even asymetrical...just as long as it's supposed to be that way on you...

confronting the mirror can be tough...but the alternative - a blind certainty that bold horizontal stripes bring out the best in your figure...is worse...by far...
see yourself clearly, but be gentle...

are you petite? rubenesque? do you hate your elbows? even if green is the color of the moment...does it make you look like someone who resides in a damp, mossy crevice? are you the proud owner of the world's best collarbone? bellybutton? calf muscles? if so, terrific! go out and find something that will show them off...

the more you know about your body - sizes, good sides and bad sides, spandex tolerance - the better you'll be dressing for yourself...not a salesperson, your mother, or to make your significant other jealous...

by all means, fall in love with magazine spreads, but be self-assured enough to realize when something's just not for you...

and if you just aren't quite sure...find a stylist to help you...it just might be...the best money spent...

fabulous finds
elena daciuk
wardrobe stylist/personal shopper
415.577.6133
fabulous.finds@yahoo.com